PPI Reclaiming discussion Part III

booi666

pinknico wrote: »

Just 6 too many?!!:D

Hello pink,


Yes well errrrr i was a bit battered last night as per my posts:rotfl:

But like a true dude i stand by my writtings on the wall:eek:

It wo good clean honest fun so im cool with it;)

booi666

ashleyjudd wrote: »

Hi, I think you are all great on this site, and the determination shown is fab. i was wandering if someone could help me please. i wrote to ge money on 28/1/09 to reclaim the ppi. (i took out a debenhams card in 2006). I have to osay that their response was quick, i got a letter back dated 29 jan 09. they advised in a nut shell that they cant pay back the ppi as according to their records one of their advisers sold it to me over the and i chose the ppi. therefore they can find no way of mis selling. i was thinking of writing back and asking them for a copy of that call. do you think that would be a good idea. they also say i knew about it cos it is on my statements. please help, i have loads of other companies to write to as well, and would love to get some money back especially in these hard times. any response would be greatful. thank you and regards.

Hello there and welcome aboard:D

I would do a subject access request and get all the information they hold about you inc any phone calls,which im sure 1 of these lovely ladies will post for you very soon:T as i dont know how to do it yet:o

Incipience

ashleyjudd wrote: »

Hi, I think you are all great on this site, and the determination shown is fab. i was wandering if someone could help me please. i wrote to ge money on 28/1/09 to reclaim the ppi. (i took out a debenhams card in 2006). I have to osay that their response was quick, i got a letter back dated 29 jan 09. they advised in a nut shell that they cant pay back the ppi as according to their records one of their advisers sold it to me over the and i chose the ppi. therefore they can find no way of mis selling. i was thinking of writing back and asking them for a copy of that call. do you think that would be a good idea. they also say i knew about it cos it is on my statements. please help, i have loads of other companies to write to as well, and would love to get some money back especially in these hard times. any response would be greatful. thank you and regards.

DATA PROTECTION ACT 1998
SUBJECT ACCESS REQUEST

Date: xx:xx:xxxx

Dear Sir/Madam
Name xxxxxxxxxxxx
Account No’sXXXXXXXXXXXXXXXXXX


I understand that you currently hold details of my personal and financial information within your internal record systems with regard to personal loan accounts and credit cards accounts

I would be grateful if you would provide the following for ALL accounts or associated accounts I hold or have held with your organisation:

1. Full copies of all contracts which you believe exist or have existed between myself and your organisation, including true copies of any documents you hold in support of the same.
2. A complete list of all transactions or statements relating to ALL of my Loan Accounts with your organisation.
3. Copies of all documents which include any of my personal information including copies of any contacts or invoices, emails or computer records containing my personal information, or any records which pertain to this information.
4. Full copies or transcripts of any correspondence in postal, email or any other format which you have entered into with any individual, organization or third party which contains my personal or financial, or which pertains to me.
5. Where any previous information or records held have been deleted or disposed of, the methods used to do so, including dates, certificates or references confirming details of destruction. Where you are unable to provide such certificates, please provide a declaration, signed by an authorised officer of your company, confirming the dates and methods of destruction of this data.
6. Full hard copy print outs of my personal or financial information, held in a digital, magnetic or any other format which is held in any archives, backups or other storage devices / locations.
7. Underwriting sheet or other such document recording any commission (or other) payment made to an intermediary or packager, and/or payment/commission from the insurer in relation to my account.

Where you have used abbreviations and/or codes, I would request that an accompanying sheet be provided so as to translate these abbreviations and/or codes and their meanings, I also request an accompanying appendices of the documents included and reference to the purpose or meaning to those documents.

I request that you provide all the information requested above, even though you may consider that it falls outside Data Protection.

I reserve the right to refer to the contents of this letter if an application for pre-action discovery is necessary relating to any of the documents requested herein.

I enclose a cheque in the sum of £10 to cover your fee.

IF YOU ARE UNABLE TO DEAL WITH THIS REQUEST, YOU SHOULD IMMEDIALTELY FORWARD IT TO THE PERSON WITHIN YOUR ORGANISATION RESPONSIBLE FOR DATA PROTECTION.

I look forward to hearing from you in the first instance of receipt.

Your Faithfully.

Incipience

You will have to edit the part out about Loans and replace with Store/Charge Card

di3004

ashleyjudd wrote: »

Hi, I think you are all great on this site, and the determination shown is fab. i was wandering if someone could help me please. i wrote to ge money on 28/1/09 to reclaim the ppi. (i took out a debenhams card in 2006). I have to osay that their response was quick, i got a letter back dated 29 jan 09. they advised in a nut shell that they cant pay back the ppi as according to their records one of their advisers sold it to me over the and i chose the ppi. therefore they can find no way of mis selling. i was thinking of writing back and asking them for a copy of that call. do you think that would be a good idea. they also say i knew about it cos it is on my statements. please help, i have loads of other companies to write to as well, and would love to get some money back especially in these hard times. any response would be greatful. thank you and regards.

Hello and welcome, thank you, yes a great lot here.;)

Write back to them, they only pay the adviser for selling this Cover to you (commission) etc, and are trying to pass the buck on to the ones who did so, so get back to them and tell them you are not satisfied with their response about your PPI complaint and want this looked at again.
Tell them they are responsible for the sale of this and if they do not uphold your complaint you will be taking this further action with this matter.
(FOS) or courts whatever you feel best in this situation.;)

I note that Incipience has also posted a SAR (Subject access request), this can be very useful, remember to enclose £10 cheque or postal order payment, they have 40 days to comply and post by recorded delivery.

Good luck.

Incipience

Di, note this little addition..

"I reserve the right to refer to the contents of this letter if an application for pre-action discovery is necessary relating to any of the documents requested herein."

di3004

Incipience wrote: »

Di, note this little addition..

"I reserve the right to refer to the contents of this letter if an application for pre-action discovery is necessary relating to any of the documents requested herein."

Marvellous, thanks Incipience, Ashley-Judd, hopefully you have had read this also for your letter.;)

pinknico

booi666 wrote: »

Hello pink,


Yes well errrrr i was a bit battered last night as per my posts:rotfl:

But like a true dude i stand by my writtings on the wall:eek:

It wo good clean honest fun so im cool with it;)

I wouldn't have you any otherway Boo. xxx

pinknico

Incipience, can you send this if you dont have account numbers or do you have to add ask for these seperately?

molly44_2

Hi di3004. Thanks for your reply.

I have only put my name on complaint form. I do not have any contact address for my ex-husband so i would not be able to get him to sign.
I think i will follow your advice and telephone FOS.

Thanks again

Molly44